Berkshire Bank is offering a promotion on its 15-year and 30-year fixed rate mortgages. For a limited time only, the bank is offering a rate of 3.125% (3.143% APR) on a 15-year loan and a rate of 3.875% (3.885% APR) on a 30-year loan with no points. A Berkshire Bank personal checking account is required to be eligible for this offer. The promotional rates are available on loan amounts up to $417,000. Click here for more information.

Sovereign Bank customers can earn $100 cash back for opening a new Premier Checking package, $75 for a Preferred Checking package, or $50 for a Classic Checking package. To receive the cash bonus, customers must open a new checking and companion savings account along with online banking and a debit card by 12.31.2011 and make five debit card purchases by 02.29.2012. Click here for more information.

In response to the Bank Transfer Day movement, several credit unions and trusts are offering extra incentives to encourage consumers to make the switch from their bank. In addition to extended hours and additional staff, credit unions and trusts are promoting cash bonuses and great rates. According to a survey by CUNA, at least 650,000 consumers have joined credit unions within the last four weeks (cuna.org). Here are a few of the most interesting offers celebrating Bank Transfer Day:

• WV United FCU Offers 11.5% CD RateNew members who move their account relationships to WV United FCU will be eligible to open a 6-month CD with an APY of 11.5% on balances up to $2,000. To qualify, the new member must open a checking or debit account, initiate direct deposit of their paycheck, get a debit card, and move their auto withdrawals or utilize EasyPay bill pay. Click here for more information.

• American Heritage FCU Offers Cash Bonus

American Heritage Federal Credit Union is offering new members up to $130. New members who open a checking account by 11.30.2011 with direct deposit will earn $50 and an additional $50 for their first bill pay. They will also receive a $25 Independence Check Card reward and $5 e-Statement reward. Click here for more information.

• Cash Bonus Offer at MidFlorida Credit UnionMidFlorida Credit Union will have free drinks and snacks on 11.05.2011 to celebrate Bank Transfer Day. Additionally, new customers who open a checking account by 11.30.2011 and sign up for direct deposit of at least $500 will receive a $127 cash bonus. Click here for more information.

• Pactrust Bank Pays $60 to SwitchCustomers who open a new Value or Market Checking account at Pactrust Bank by 12.31.2011 and use their debit card at least once a month for the first 12 month will earn $5 cash back every statement period they use their debit card. Click here for more information.

The new Ameriprise Financial home equity line of credit features a 6-month introductory rate of 3.50% or 3.75% depending on the type of relationship account maintained. After the 6-month promotional period, the rate will range from Prime + 0.75% to Prime + 2.75% based on line amount, home value, and creditworthiness. Applications must be submitted by 12.31.2011. Click here for more information.

HSBC customers who begin a Premier relationship online with $100,000 or more in new money by 09.16.2011 will receive a $100 Apple gift card and a Bose SoundDock Series II Digital Music System. Click here for more information.